Lone Star Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 22, 2002

  • Lone Star Bank in Houston, Texas (TX)
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Lone Star Bank - Overview

  • General
  • FDIC Certificate #: 26316
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 63957
    Date Established: July 22, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 32755
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 22, 1985
    Last Structure Change Effective Date: Febuary 22, 2002
    Last Structure Change Process Date: March 19, 2002
    Last Data Update: March 19, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 12727 East Freeway, Houston, TX 77213
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $170.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2001)

  • Dollar figures in thousands
  • 60Total employees (full-time equivalent)
  • $170,392Total assets
  • $4,943Cash and due from depository institutions
  • $99Interest-bearing balances
  • $7,539Securities
  • $31,938Federal funds sold & reverse repurchase agreements
  • $120,914Net loans & leases
  • $1,598Loan loss allowance
  • $0Trading account assets
  • $1,619Bank premises and fixed assets
  • $39Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,400All other assets
  • $170,392Total liabilities and capital
  • $156,530Total liabilities
  • $154,017Total deposits
  • $115,838Interest-bearing deposits
  • $154,017Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,513All other liabilities
  • $13,862Total equity capital
  • $13,862Total bank equity capital
  • $13,862Perpetual preferred stock
  • $0Common stock
  • $1,803Surplus
  • $12,107Undivided profits
  • Memoranda
  • $-48Noncurrent loans and leases
  • $22,662Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $537Earning assets
  • $0Long-term assets (5+ years)
  • $734Average Assets, year-to-date
  • $160,490Average Assets, quarterly
  • $2,108Volatile liabilities
  • $161,940Insider loans
  • $168,702FHLB advances
  • $46,017Loans and leases held for sale
  • $29Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $22,662Total unused commitments
  • $0Restructured Loans and leases
  • $1,598Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $12,339Total interest income
  • $5,421Total interest expense
  • $6,918Net interest income
  • $718Provision for loan and lease losses
  • $876Total noninterest income
  • $0Fiduciary activities
  • $657Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $7,900Total noninterest expense
  • $4,017Salaries and employee benefits
  • $1,125Premises and equipment expense
  • $2,758Additional noninterest expense
  • -$824Pre-tax net operating income
  • $33Securities gains (losses)
  • -$262Applicable income taxes
  • -$529Income before extraordinary items
  • $0Extraordinary gains - net
  • -$529Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $289Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.14%Yield on earning assets
  • 3.58%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 5.21%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • -0.33%Return on assets (ROA)
  • -0.49%Pretax return on assets
  • -4.69%Return on equity (ROE)
  • -4.69%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 248.44%Credit loss provision to net charge-offs
  • -0.37%Efficiency ratio
  • 101,360Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 297.58%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 78.51%Net loans and leases to core deposits
  • 111.96%Equity capital to assets
  • 8.14%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 10.51%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $161,940Average earning assets
  • $11,268Average equity
  • $151,625Average loans

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